| Interest schemes | Loan present worth | Loan interest owed at 5% | Amount owed at end of year $ | Principle payment | Annual payment |
| Periods | |||||
| 1 | 1000 | 50 | 1050 | 200 | 250 |
| 2 | 800 | 40 | 840 | 200 | 240 |
| 3 | 600 | 30 | 630 | 200 | 230 |
| 4 | 400 | 20 | 420 | 200 | 220 |
| 5 | 200 | 10 | 210 | 200 | 210 |
| Total |
| $150 |
| $1000 | $1150 |